Acceptance of Terms
By accessing and using PennyCalc (pennycalc.com), you agree to these Terms of Service. If you do not agree, please do not use the site. We may update these terms at any time; continued use after changes constitutes acceptance.
What PennyCalc Provides
PennyCalc provides free, browser-based financial calculators for educational and informational purposes. Our tools cover mortgages, compound interest, taxes, retirement planning, debt payoff, and related topics.
Not Financial Advice
PennyCalc is not a financial advisor, tax advisor, CPA, attorney, or licensed professional of any kind. All calculator results are estimates based on the inputs you provide and the mathematical formulas implemented. They may not reflect your actual financial situation due to factors including but not limited to:
- Changes in tax law, interest rates, or market conditions
- Individual circumstances not captured by our inputs (deductions, credits, exemptions)
- Rounding, simplification, or modeling assumptions in our formulas
- State and local tax variations beyond what our calculators cover
Always consult a qualified financial professional, tax advisor, or attorney before making financial decisions. Calculator results should be one input among many in your decision-making process, not the sole basis for any financial action.
Accuracy and Limitations
We strive for mathematical accuracy and test our calculators against known values. However, we make no warranty that results are error-free or suitable for any specific purpose. Tax brackets, Social Security figures, contribution limits, and other data points reflect publicly available information at the time of the last update (shown on each page). These figures change annually and may be outdated.
If you believe you have found an error in any calculator, please contact us. We take accuracy seriously and will investigate promptly.
Privacy and Data
All calculator inputs are processed in your browser. We do not store, transmit, or have access to the financial data you enter. For details on cookies, analytics, and third-party services, see our Privacy Policy.
Affiliate Links and Advertising
PennyCalc earns revenue through display advertising and affiliate links to third-party financial products and services. When you click an affiliate link and take a qualifying action (such as opening an account), we may earn a commission at no additional cost to you.
Affiliate relationships do not influence our calculator math or the content of our educational materials. We disclose affiliate relationships on each page where they appear. Product availability, terms, and rates are determined by the third-party provider and may change without notice.
Intellectual Property
All content on PennyCalc — including text, calculator logic, design, and graphics — is owned by PennyCalc or its content creators and is protected by copyright. You may use our calculators for personal, non-commercial purposes. You may not:
- Copy, reproduce, or redistribute our calculator code or content without permission
- Scrape, crawl, or systematically download content from the site
- Frame or embed PennyCalc pages on other websites without permission
- Use PennyCalc's name, logo, or branding to imply endorsement
Limitation of Liability
To the fullest extent permitted by law, PennyCalc and its owners, operators, and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of (or inability to use) the site, including but not limited to financial losses based on calculator results.
The site is provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.
Indemnification
You agree to indemnify and hold harmless PennyCalc and its owners from any claims, damages, losses, or expenses (including legal fees) arising from your use of the site or violation of these terms.
External Links
PennyCalc contains links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of external sites. Clicking an external link is at your own discretion and risk.
Governing Law
These terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising from these terms or your use of PennyCalc shall be resolved in the courts of the state in which PennyCalc operates.
Contact
For questions about these terms, email us at [email protected].